M C Bank & Trust Company Mortgage Lending & HMDA Data, 2025
In 2025, M C Bank & Trust Company of Morgan City, LA reported 103 mortgage applications totaling $22.2 million, down 2% from 2024. The average application was for $215,291, and applicants reported an average income of $102,330. 56% of its applications resulted in an originated loan and 31% were denied. Its largest markets were Lafayette, LA (13), Houma-Thibodaux, LA (11) and Baton Rouge, LA (6) (applications in parentheses).
| Mortgage Company & Address | M C Bank & Trust Company 1201 Brashear Ave. Morgan City, LA 70380 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 103 |
| Total Mortgage Loan Application Amount | $22,175,000 |
| Average Mortgage Loan Application Amount | $215,291 |
| Highest Mortgage Loan Application Amount | $4,005,000 |
| Average Applicant Income | $102,330 |
| Highest Applicant Income | $829,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records M C Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Mary, Louisiana | 64 | $ 5,750,000 | $ 89,843 | $ 85,000 |
| Lafayette, Louisiana | 10 | $ 3,770,000 | $ 377,000 | $ 270,000 |
| Terrebonne, Louisiana | 7 | $ 2,135,000 | $ 305,000 | $ 64,000 |
| Assumption, Louisiana | 6 | $ 340,000 | $ 56,666 | $ 139,000 |
| Lafourche, Louisiana | 4 | $ 370,000 | $ 92,500 | $ 74,000 |
| Jefferson, Louisiana | 2 | $ 1,300,000 | $ 650,000 | $ 0 |
| St. Martin, Louisiana | 2 | $ 90,000 | $ 45,000 | $ 24,000 |
| Bay, Florida | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Acadia, Louisiana | 1 | $ 105,000 | $ 105,000 | $ 108,000 |
| Orleans, Louisiana | 1 | $ 3,105,000 | $ 3,105,000 | $ 0 |
| St. Charles, Louisiana | 1 | $ 25,000 | $ 25,000 | $ 215,000 |
| St. Landry, Louisiana | 1 | $ 45,000 | $ 45,000 | $ 56,000 |
| St. Tammany, Louisiana | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Amite, Mississippi | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Summit, Utah | 1 | $ 4,005,000 | $ 4,005,000 | $ 0 |
Mortgage Loan Application Detail Totals for M C Bank & Trust Company in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 48 | $11,620,000 | $242,000 | $3,105,000 | $101,000 | $473,000 |
| Home Purchase | 37 | $9,495,000 | $256,000 | $4,005,000 | $112,000 | $829,000 |
| Home Improvement | 9 | $465,000 | $51,000 | $105,000 | $96,000 | $245,000 |
| Other Purpose | 9 | $595,000 | $66,000 | $145,000 | $76,000 | $141,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 49 | $6,555,000 | $133,000 | $3,105,000 | $118,000 | $829,000 |
| Not applicable | 24 | $12,830,000 | $534,000 | $4,005,000 | $0 | $0 |
| Black or African American | 18 | $1,330,000 | $73,000 | $445,000 | $62,000 | $215,000 |
| Hispanic | 8 | $940,000 | $117,000 | $205,000 | $98,000 | $170,000 |
| Asian | 4 | $520,000 | $130,000 | $225,000 | $87,000 | $158,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 103 | $22,175,000 | $215,000 | $4,005,000 | $101,000 | $829,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 58 | $16,550,000 | $285,000 | $4,005,000 | $117,000 | $829,000 |
| Application Denied By Financial Institution | 32 | $3,280,000 | $102,000 | $445,000 | $90,000 | $473,000 |
| Application Approved But Not Accepted | 9 | $375,000 | $41,000 | $75,000 | $95,000 | $245,000 |
| Application Withdrawn By Applicant | 4 | $1,970,000 | $492,000 | $1,245,000 | $34,000 | $45,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 103 | $22,175,000 | $215,000 | $4,005,000 | $101,000 | $829,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into M C Bank & Trust Company's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess M C Bank & Trust Company's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.
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